Southern Tier Financial recognizes that each business has its own unique goals, personnel and identity. Your business fingerprint belongs only to you. A size 10 insurance and benefit program fits only one size, yet many small businesses, regardless of need, wear the same program. We do not subscribe to that method. The proper sequence needed to identify and fit your business with the customized program you and your employees both need and deserve is more complicated, but in the end a better value. STF has the experience needed to provide you with cost-effective alternatives in an understandable fashion.

Employee Benefits

Group Health ~ Dental ~ Vision ~ Life ~ Short-Term Disability ~ Long-term Disability ~ NY State DBL/PFL ~ Section 125 Cafeteria Plans

Individual Insurance

Health ~ Dental ~ Vision ~ Disability Insurance ~ Life Insurance ~Long-Term Care Insurance

Retirement Planning

IRA~401k~403b ~ Estate Planning ~ Annuities ~ Mutual Funds*


Southern Tier Financial is a local, independently-owned financial services firm headquartered in Falconer, N.Y. with our office on Main Street. Established in 1990, Southern Tier Financial uses a client-focused approach to delivering services that include: Employee Benefits, Financial Planning, Personal Saving Strategies, Insurance, Estate Planning, Tax Planning & Preparation, and Corporate Services. Our financial advisors serve individual investors, trusts, estates, and small/ medium-sized businesses with over 60 years of combined experience in financial services.
  • 1990

Our Team

With almost four decades of combined experience in the financial services, STF has the expertise to assist your business in the most prudent and cost-effective design, selection, and implementation of employee benefits, and individual/group retirement plans. We recognize that your business is unique and, as such,take great care to discover your business profile. That's why the starting point in our process involves in-depth fact-finding. Thorough inquiry leads to the development of an appropriate employee benefit strategy that reflects your outlook. This informed approach enables us to present meaningful options, rather than stereotypical quotations. While we represent numerous companies and administrative firms, our allegiance is to our client. When we make recommendations, you can feel confident that they are the result of an objective analysis. We are extremely proud of our professionalism and business ethics. We believe that the overwhelmingly high satisfaction level of our clients affirms the dedicated service and integrity that distinguishes STF.
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